| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROPU INC | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $4K | $11K | 2.25% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $15K | $15K | 5.02% |
| EXUDE BENEFITS GROUP INC3 | 325 CHESTNUT STREET STE 1000 PHILADELPHIA, PA 19106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $8K | $14K | 4.98% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.53% |
| EXUDE BENEFITS GROUP INC3 | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $7K | $13K | 6.77% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP | 325 CHESTNUT STREET STE 1000 PHILADELPHIA, PA 19106 | EYEMED VISION CARE | $7K | $0 | $7K | 8.55% |
| EXUDE BENEFITS GROUP INC3 | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 8.63% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.55% |
| EXUDE BENEFITS GROUP INC3 | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 14.39% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.33% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFIT GROUP | 325 CHESTNUT ST PHILADELPHIA, PA 19106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 11.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $616K |
| EXUDE BENEFITS GROUP EIN 23-2859145 BROKER | Insurance agents and brokers Service code 22 | — | $101K |
| TELEMEDICINE MANAGEMENT, INC EIN 26-1306606 NONE | Other services Service code 49 | — | $45K |
| RXBENEFITS, INC EIN 63-1157085 ADMIN | Claims processing Service code 12 | — | $7K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 904 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 908 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,608 | $494K |
| Vision | EYEMED VISION CARE | 1,117 | $84K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 902 | $81K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 904 | $345K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 904 | $192K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORP | 611 | $664K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 902 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,608 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.